Getting your Loan

Do you need cash today for an urgent expense or for something that’s very important to you?

Do you need the loan approved today, with no paperwork and no long wait times?

You’re talking to the right people.

You can apply for an Unsecured Loan online at any time from any New Zealand location.

You can apply for up to $1000 within minutes.

Here’s how:

  • Click Apply to complete your fast online application.
  • Once approved, the loan amount could be available in your account within hours.

Note: If you apply outside business hours processing can take longer and funds will be available generally on the next business day.

Our cost is upfront and easy to understand. Nothing is hidden.

Use our calculator to work out what a Pretty Penny Unsecured loan might cost you.

To complete our simple online application form, click Apply.

To talk privately with someone who understands your needs, ring 0800 835 356

The sooner you contact us, the sooner we can help you.

What we Need

Your personal details and a bank statement. That’s all.

No need to send paperwork. With your permission we can access 90 days of your bank statements online with the highest security for you.

Note:Use credit sense to upload your statement. It’s secure, quick and easy.

Repaying your Loan

We set things up so you can make repayments in step with your pay cycle.

We’ll match repayments with your capacity to repay.

We’ll send you a repayment reminder before and on Payday.

On Payday we’ll set up direct debits to your account.

If you think you can’t make a repayment on Payday, contact our Support Team.

Our job is to help you in advance to make your repayments predictable and painless.

If a repayment is late, you may need to pay additional fees but we tell you about this upfront.

Remember: You can apply for another loan as soon as you pay off your current loan.

After we’ve helped you once, applying for another loan is fast and easy because your information is already on file. Simple apply online through our client portal or call us.

Over time, we’ll learn to trust each other and you’ll improve your credit history.

And that means you’ll be able to borrow more money when you need it.

More about Unsecured Loans

Let’s talk about a secured loan first.

If you take out a secured loan you use an asset that you own as security.

Assets can include a car, a house (for a mortgage), a caravan, a yacht–generally anything large and substantial.

If you can’t pay back the loan–if you default–the company that loaned you the money can legally take possession of your asset.

Because of this asset security and stability, secured loans normally have lower interest rates.

It’s the opposite for an unsecured loan. You don’t have to use an asset as security if you can’t repay the loan.

This means that the company that loaned you the money is taking a higher risk.

We’re prepared to take that risk.

We offer unsecured personal loans or unsecured cash loans. You can apply online or over the phone.

A secured personal loan offers a cheaper interest rate but not everyone can qualify for it.

For example, young people may not have a large asset to secure the loan.

Unsecured loan features are generally not much different from secured loans.

You might want to choose an unsecured loan if you’re unsure about your repayments and you don’t want to risk your assets.

We can offer a choice of repayment options, which allows you to construct your unsecured loan in the same way as a secured loan.

How it Works

You tell us how much you want to borrow.

We figure out what kind of loan can help you: an unsecured personal loan or an unsecured cash loan.

We figure this out by analysing your bank statement and working out your income and your expenses.

We also figure out a repayment period.

This depends on whether you want an unsecured personal loan or an unsecured cash loan.

You’ll need to provide us with bank statements for at least the last 90 days.

Note:Use Credit Sense to upload your statement. It’s secure, quick and easy.

How Much Can you Borrow?

This depends on:

  • Your requirements
  • Your income
  • Your expenses
  • Your financial commitments and financial situation
  • Your suitability for the loan.

We offer:

  • Unsecured personal loans from $50 to $1000
  • Unsecured cash loans from $50 to $1000.


Our Unsecured Loans offer these benefits:

  • Apply online and get a response on the same business day.
  • Our pre-approvals have no obligation.
  • You can use the loan for any reasonable purpose.
  • You can make fixed repayments that won’t change over the life of the loan so you can plan ahead.
  • We work with you to ensure you can afford repayments.
  • We offer a loan term with repayments to suit your budget.
  • No security is required.

Our Unsecured Loans offer these features:

  • Flexible loan lengths
  • Loans up to $1000
  • Scheduled repayments in step with your Payday.
  • Flexible repayments so that you can repay your loan weekly or fortnightly. And if you want to make extra repayments to pay off the loan early, that’s fine with us.
  • We utilise a direct debit facility to ensure we can set up repayments and take all the work away from you.


Here are our fees:

  • $24 Account set up fee (first Time clients only)
  • $64 Establishment fee
  • 1% interest charged daily on balance outstanding
  • Optional – Same day deposit fee $12
  • Change of Payment fee $10

If you miss a scheduled payment by direct debit we need to charge you a $13 direct debit dishonour fee, unless you’ve made a prior arrangement with us.

If you contact us to make an alternative arrangement, there is a $10 Change of payment fee

If you miss a payment we will try and contact you by phone, text and email.

Note: We don’t charge a default interest rate.

If your account remains in arrears after 60 days, we may refer you to an external debt collect and as a result you may incur additional fees.

To complete our simple online application form, click Apply.

If you don’t want to apply online, please call us on 0800 835 356 to speak to one of our friendly staff.

The sooner you contact us, the sooner we can help you.